Emergency Fund Sizer
The standard three-to-six-month rule is a floor, not a target, if your legal status in the Netherlands is tied to your job. This estimates a range sized to your actual risk.
This is a starting-point range, not a precise calculation — residence-status risk is a judgment call. Read the full emergency fund guide for the reasoning behind it.
Rent, mandatory insurance, groceries, utilities, minimum debt payments — not your full lifestyle spending.
Your target range
€10,800 – €16,200
6–9 months of essential expenses, based on the residence status you selected.
This is a starting-point range sized to residence-status risk — a judgement call, not a precise calculation.